Chapter 224: 1.5-5


    <strong>45 minutes earlier</strong>


    <strong>Wng lo xin shng yu kui tin, y ya y ya y</strong> <em>(Old Mr. Wang had a farm, EIEIO)</em>


    <strong>t zi tin bin yng xio gu, y ya y ya y</strong> <em>(On his farm he kept little dogs, EIEIO)</em>


    <strong>zh l wng wng, n l wng wng,</strong> <em>(With a woof woof here, and a woof woof there,)</em>


    While humming the childish song under his breath, Xinya watched Melting Snow disappear into his farm''s wooded area. There was a slight smile on his face as he did so; he really hoped that there was an animal back there for the boy to discover.


    Turning his attention over to the pile of burnt rubble, where the NPC cottage once stood, Xinya knowing that he wouldn''t find anything there, decided to do something more productive like checking out his two new interface icons.


    Doing exactly that, he opened up his interface, and only had to nce around the screen a bit before locating them. It did help that they were the only icons that were glowing since they were new.


    While looking at his newly acquired icons, he started to have memories of his past life when he was still struggling to survive in that dump of an apartment selling potions to make a living.


    He used to, when his cheap VR helmet was cooling, stalk the Haven Online forums looking at yer''s houses and farms. He would dream of the day when he had finally saved enough coin to get one of his own.


    While he did that, he noticed that the yers with farms would always put an extreme emphasis on the exact two icons he was looking at right now. If he remembered correctly, the yers called the icons the holy duo.


    If one wanted to make farming a profitable business, one must be very familiar with them. Now that Xinya finally has a farm of his own, he would finally be able to see why the Bank and Farming/Housing icons were so important.


    Clicking on the Ark bank icon first, Xinya was surprised to see arge brown and white screen pop up in front of him. It was in apletely different color from what he was used to seeing.


    This made him feel that the bank icon wasn''t a part of his interface and was only linked to it. Which would make sense if he thought about it clearly.


    There were many different banks in the world of Haven, and like in real life, the banks aren''t connected. So hypothetically, if he ever wanted to leave Ark and move to a new town, as in reality, he would have to change his bank.


    This means only linking a town''s bank to yer''s interfaces, instead of making it permanent was a smart move since they can be unlinked. Well, at least he thought it was, anyway.


    Clearing his head of his random thoughts, Xinya focused on the screen that was in front of him. The first thing that caught his eye was the words'' Wee to Ark''s Bank'', disyed in big, glittering, bold letters.


    The second thing that caught his eye was his ount details. Which stated his name, bank id number, and amount of coins he had in the bank.


    <strong>Name:</strong> Drifting Cloud


    <strong>Bank ID:</strong> D147852


    <strong>Coins:</strong> 0g 0s 0b


    However, below that information was something that really grabbed his attention, and that was six tabs.


    Instead of words, each one of the six tabs had a picture to show what it represented. Which was a money sign, a percent sign, an outline of a check, a scroll, a quill, and a trunk.


    Curious about what each of the tabs meant, Xinya clicked on the tab with the money sign right away. Only to see that it represented the bank''s money system.


    The bank tab showed how many coins he had inside the bank and two spaces below with buttons beside them, indicating where he could enter the amount he wanted to deposit or withdraw.


    0 Gold 0 Silver 0 Bronze


    ______ <strong>[Deposit]</strong>


    ______ <strong>[Withdraw]</strong>


    Seeing a small glowing question mark at the top of the window, Xinya clicked it, and information about the tab popped up.


    <strong>Direct Bank Transaction:</strong> Allows a yer to deposit and withdraw gold to the bank directly from their inventory.


    Xinya thought about and decided that it would be a good idea to put his money in the bank. Although there was no need to do so since yers can carry unlimited amounts of coin, he knew it would be best to.


    He always gets into dangerous situations, and if he dies, he will lose 5% of his coin amount. But if his money is in the bank, there would be nothing to take from his inventory.


    Well, unless they take another item that is around the amount he would be losing. But he doubts that the DEVs would be that cruel.


    Determined to transfer his money to the bank the next time he goes off an adventure, Xinya opens the next tab. Which only showed him the property tax he owed and rather or not he was in debt.


    <strong>Property tax owed:</strong> 0/5 bronze coins per month.


    <strong>Collection Agency:</strong> Not in debt


    Clicking the information button, he began reading:


    <strong>Property Tax:</strong> Property owners pay property tax calcted by the town''s bank where the property is located. Property tax is based on the property''s value, the real estate, and the tangible personal items on the property.


    <em>''This means inyman''s terms, that the better my farm bes, the higher the tax will grow,''</em> Xinya thought. Although this was something, he already knew, seeing it written out struck a chord in him.


    The next three tabs weren''t essential to him at this point in time, so he didn''t really pay much attention to them. Even so, he did read the information about them.


    <strong>Check Creation:</strong> Although a yer can just transferrge amounts of coins to other yers, that isn''t the case with NPCs. So transferringrge sums of money to NPCs can only be done via check creation.


    <strong>Loan Application:</strong> Housing or business loan application rates and approval depend on the loan amount and duration. Proper permission for applicable loans must be approved by bank managers. Repayment and prices to be decided by the bank. *Depending on the loan size, the time limit to pay it back will be 30 days-1 year.


    <strong>Business Contract:</strong> Only applicable for registered yers with guilds above rank 5, and capital of 100g 50b with a qualified guarantor. The bank reserves the right to reject business contract applications that do not fulfill the requirements.


    Thest tab, however, he found to be very intriguing. It was a storage tab, and like how depositing his money would be useful to him while on an adventure, the same can be said for storing some of his items.


    Wanting to see if there were any hidden catches, Xinya clicked on the tab''s information via a glowing question mark.


    <strong>Storage:</strong> Enables storage function for yer''s items that won''t drop when they die via PVE. These items are also unattainable to collect when a yer is killed by PVP. Storage can only hold up to five things, but it can be upgraded to ten for a small fee.


    *Depositing an item costs a small fee: 2.5% of the item''s NPC purchase price. Charges will be deducted from the yer''s bank coin bnce. If the yer bnce is insufficient to cover a payment, the outstanding amount will be taken from the yer inventory. If the total amount of coin in the yer''s bank and stock is not enough to cover a fee, the deposit will be rejected.


    <em>''Now that''s a useful expenditure that I wouldn''t mind paying for,''</em> smirked Xinya after he finished reading all of the details. He had a couple of items in his inventory that would cause him to be distraught if he died and lost them. Even the thought of it made him shudder slightly.